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129

P. Nadler, “Weekly Adviser: Horror at Credit Scoring Is Not Just Foot-Dragging,” American Banker, no. 211 (November 2, 1999), .

130

Board of Governors of the Federal Reserve System, Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit, August 2007, pp. 36 and S-4, .
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